# calculatemymortgage.org

> Free mortgage calculators for US home buyers and homeowners.

calculatemymortgage.org provides free, no-login-required mortgage calculators.
All calculators run entirely in the browser and produce shareable URLs with
results encoded as query parameters.

---

## Calculators

- **Mortgage Calculator** -- Monthly payment with PITI breakdown and amortization schedule. https://calculatemymortgage.org/
- **Payment Calculator** -- Principal, interest, tax, insurance, and PMI for any loan. https://calculatemymortgage.org/payment
- **Affordability Calculator** -- Maximum home price based on income, debts, and DTI limits. https://calculatemymortgage.org/affordability
- **Amortization Calculator** -- Full month-by-month schedule; shows impact of extra payments. https://calculatemymortgage.org/amortization
- **Refinance Calculator** -- Break-even analysis comparing current loan to a new rate/term. https://calculatemymortgage.org/refinance
- **Rent vs Buy Calculator** -- Total 5-30 year cost comparison of renting versus owning. https://calculatemymortgage.org/rent-vs-buy
- **Down Payment Calculator** -- Side-by-side comparison of 3%-25% down scenarios including PMI. https://calculatemymortgage.org/down-payment
- **FHA Loan Calculator** -- FHA payment with MIP; compares FHA to conventional. https://calculatemymortgage.org/fha
- **VA Loan Calculator** -- VA payment with funding fee; accounts for disability exemptions. https://calculatemymortgage.org/va
- **Closing Costs Calculator** -- Estimated lender, title, and prepaids for a purchase. https://calculatemymortgage.org/closing-costs
- **Debt-to-Income Calculator** -- Front-end and back-end DTI ratios against lender thresholds. https://calculatemymortgage.org/debt-to-income
- **15 vs 30 Year Calculator** -- Payment, interest, and total-cost comparison between loan terms. https://calculatemymortgage.org/15-vs-30
- **Extra Payments Calculator** -- Interest and time saved by adding monthly, yearly, or lump-sum payments. https://calculatemymortgage.org/extra-payments

## All Calculators Index

- https://calculatemymortgage.org/all-calculators

---

## API

All endpoints return JSON.

- **GET /api/v1/docs** -- API documentation. https://calculatemymortgage.org/api/v1/docs
- **GET /api/v1/amortization-full** -- Full amortization schedule (params: loan_amount, rate, term, extra_payment). https://calculatemymortgage.org/api/v1/amortization-full
- **GET /api/v1/calculate/debt-to-income** -- DTI calculation (params: annual_income, monthly_housing, monthly_debts). https://calculatemymortgage.org/api/v1/calculate/debt-to-income
- **GET /api/v1/calculate/rent-vs-buy** -- Rent vs buy comparison. https://calculatemymortgage.org/api/v1/calculate/rent-vs-buy
- **GET /api/v1/calculate/fha** -- FHA loan calculation. https://calculatemymortgage.org/api/v1/calculate/fha
- **GET /api/v1/calculate/va** -- VA loan calculation. https://calculatemymortgage.org/api/v1/calculate/va
- **GET /api/v1/calculate/closing-costs** -- Closing costs estimate. https://calculatemymortgage.org/api/v1/calculate/closing-costs
- **GET /api/v1/calculate/15-vs-30** -- 15 vs 30 year term comparison. https://calculatemymortgage.org/api/v1/calculate/15-vs-30
- **GET /api/v1/calculate/extra-payments** -- Extra payments savings calculation. https://calculatemymortgage.org/api/v1/calculate/extra-payments

---

## About

- https://calculatemymortgage.org/about